Celesta
Base Rate
0.5%
Forex Markup
2%
Joining Fee
FREE
Milestones
1
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹1,500
After ₹0 annual fee deduction
Base Rewards
₹900
Forex Net
+₹0
Milestones
₹600
Milestone Progress
Amazon Pay e-Voucher worth ₹600 on spending ₹10,000 within 30 days
Spend ₹10K annually
📝 Detailed Review
The CardVault Verdict
The Federal Bank Celesta Credit Card is a solid lifetime free (LTF) credit card. By offering unconditional international lounge visits (2/year), BOGO movie tickets, and a low 2.0% forex markup, it stands out in the LTF category. However, domestic lounge access is gated behind a ₹60,000 quarterly spend requirement, and general rewards are low.
Who Should Apply?
Best for intermediate cardholders seeking a zero-maintenance premium travel card with solid lifestyle perks and international lounge access.
Lounge Access
Spend-Based Access
Spend ₹60,000/quarter to unlock
Required threshold to activate lounge visits
Visits / Year
10visits
Supported Networks
Additional Notes
2 domestic lounge visits per quarter (spend-based: min ₹60k in previous quarter) + 2 complimentary international lounge visits per year.
⚖️ Pros & Cons
✓Pros
- •Lifetime Free (LTF) status with zero annual or joining fees
- •Low 2.0% forex markup fee for a lifetime free card
- •Complimentary international airport lounge access (2 visits per year)
- •Buy One Get One (BOGO) offer on INOX movie tickets once a month
✗Cons
- •Domestic lounge access is spend-gated at ₹60,000 per calendar quarter
- •Relatively low base reward rate of 0.50% on general retail spends
Historical Changes
Track record of card modifications
Clean Track Record
No devaluations recorded — this card has maintained its value proposition consistently.